Medicare Advantage

Klamath Falls Medicare 2027: Klamath County

KLAMATH FALLS, Ore. — If you're sorting through Medicare choices this fall, here's a plain look at what's actually on the table in your area for 2027. The short version: there are more options than most people realize, and knowing the count is the first step to making a calm, confident decision.

How many Medicare options are available here

Klamath Falls sits in Klamath County, where 13 Medicare Advantage plans were available for 2026, according to the CMS Medicare Plan Finder and the annual MA/Part D Landscape files. Those 13 plans were offered by 3 carriers providing Medicare Advantage with prescription drug coverage (MA-PD) in the county. The 2027 lineup is in each plan's ANOC and on Medicare.gov's Plan Finder.

One thing worth knowing: Oregon has 10 stand-alone Part D prescription drug plans for 2026, sold statewide, and anyone in Klamath County with Original Medicare can join one of them. That doesn't mean drug coverage is unavailable — many Medicare Advantage plans in the area bundle drug coverage in, and Oregon has 10 stand-alone Part D plans for 2026, sold statewide. So locally you can go either route — an MA-PD or a stand-alone PDP paired with Original Medicare. The 2027 lineup is in each plan's ANOC and on Medicare.gov's Plan Finder.

Medicare plan availability is set at the county level, so wherever you live in Klamath Falls, you're looking at the same countywide menu.

What "13 plans" actually means

Thirteen is a number of choices, not a to-do list. Each plan has its own network of doctors and hospitals, its own drug formulary, and its own rules. You don't need to compare all 13. Most people narrow the list quickly by asking three questions:

• Are my doctors and preferred hospital in the plan's network?
• Are my prescriptions on the plan's drug list?
• Does the plan fit how I actually use care?

With roughly 15,695 residents age 65 and older in Klamath County, plenty of neighbors are working through the same comparison right now.

A quick refresher on the parts of Medicare

• Part A covers hospital stays.
• Part B covers doctor visits and outpatient care.
• Part C (Medicare Advantage) is an all-in-one alternative offered by private insurers. This is where the 13 local options live.
• Part D covers prescription drugs, either as a stand-alone plan or bundled into a Medicare Advantage plan.
• Medigap (Medicare Supplement) helps pay some of the out-of-pocket costs Original Medicare doesn't cover. Medigap is separate from the 13 MA plans counted above.

Program facts worth knowing

These figures come straight from CMS and apply nationwide, not just in Klamath Falls:

• Part D out-of-pocket cap: $2,100 in 2026 and $2,400 in 2027. Once your covered drug spending hits that ceiling, you pay nothing for covered drugs the rest of the year.
• Part D deductible: up to $615 in 2026 ($700 in 2027) (plans can set a lower one).
• The old "donut hole" is gone. As of 2025, Part D has three phases instead of four.
• Medicare Prescription Payment Plan: an optional program that lets you spread your drug costs across the year in monthly payments instead of paying at the pharmacy counter.
• IRMAA: higher-income beneficiaries pay a surcharge on Part B and Part D. For a single filer in 2026, IRMAA begins above $109,000 in income.

Star Ratings and what they're for

CMS publishes Star Ratings (1 to 5) to help people compare plan quality on things like customer service and care coordination. In this county's 2026 landscape, 0 contracts were rated 4 stars or higher. That doesn't mean local plans are "bad" — ratings shift each year, small markets can look different from national averages, and some contracts are too new to be rated. Use star ratings as one input among several, not as a scoreboard.

Dates to circle

• Annual Enrollment Period (AEP): October 15 – December 7, 2026. This is when most people compare, switch, or drop plans for 2027 coverage.
• Medicare Advantage Open Enrollment Period: January 1 – March 31. If you're already in a Medicare Advantage plan, you get one chance to switch to another MA plan or return to Original Medicare.

Missing a deadline can lock you into a plan for a year, so it's worth putting these on the calendar.